Hamilton County property record for 814 Spears Ave, Chattanooga, TN 37405
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,960 sqft · built 1930 |
| Lot Size | 0.355 acres (15,484 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $20,000 (Jul 1992) |
| Tax Bill | $1,879 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 126M C 015 |
| Primary APN | 126M C 015 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 15,484 sqft (0.355 acres) |
| Lot Dimensions | 158 ft deep x 98 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Connected |
| Account Number | 0000049995 |
|---|---|
| Old Parcel Number | 126M C 015 |
| Street Address | 814 SPEARS AVE |
| City | CHATTANOOGA |
| State | TN |
| Zip | 37405-3539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LT 85 & LT 86 NORTH CHATT LAND CO PB 1 PG 28 |
| Legal Subdivision | NORTH CHATT LAND CO |
| Legal Lot Number | 85 |
| Jurisdiction | HAMILTON TN |
| Township / Civil Division | 6 |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Chickamauga and Chattanooga National Military Park listed 1966 · 859 contributing resources · NRIS 66000274 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
814 Spears Ave is owned and occupied by two individuals who bought it in July 1992.
Source: Hamilton County records, as of December 31, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 814 SPEARS AVE, CHATTANOOGA, TN 37405-3539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 1992 · Amount on File |
| Deed Sale | Jul 23, 1992 · Amount on File |
| Deed Document Number | 0004017256 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 814 Spears Ave was $1,879, up 43.4% from the year before.
Source: Hamilton County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | Hamilton County |
| Municipality | Chattanooga City |
| Unified School District | Hamilton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,879.00 (+43.44%) | $124,025 (+111.74%) | $496,100 (+111.74%) Land $175,000 Building $321,100 |
| 2024 | $1,310.00 | $58,575 (-) | $234,300 (-) Land $105,000 Building $129,300 |
| 2023 | $1,310.00 | $58,575 (-) | $234,300 (-) Land $105,000 Building $129,300 |
| 2022 | $1,310.00 | $58,575 | $234,300 Land $105,000 Building $129,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 814 Spears Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective August 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 8 (1978–2009) |
| Claims Outside the SFHA | 1 of 8 |
| Most Recent Claim | Sep 2009 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 814 Spears Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TENNESSEE AMERICAN WATER private · serves 207,046 people · EPA ID TN0000107 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| EPB Fiber | 100,000 / 100,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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